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Our Charges

GJIS (Europe) Ltd act as an intermediary or agent between you, the consumer, and the product provider with whom we place your business.

The background

Pursuant to provision 4.58A of the Central Bank of Ireland's September 2019 Addendum to the Consumer Protection Code, all Intermediaries, must make available a summary of the details of all arrangements for any fee, commission, other reward or remuneration provided to the intermediary which it has agreed with its product producers.

What is commission?

For the purpose of this document, commission is the payment earned by the Intermediary for work undertaken on behalf of both the provider and the consumer.

General insurance products

General insurance products, such as our Jewellers’ Policies, Property, Liability, Cyber, Motor, Home, Personal Accident or Sickness, Travel are typically subject to standard commission model, based on the amount of premium charged or earned for the insurance product.

Profit Share arrangements

In some cases, the Intermediary may be a party to a profit-share arrangement with a product provider and will earn additional commission. Any business arranged with these product providers on a client's behalf will be placed with the product provider because that product provider is at the time of placement, the most suitable to meet the client's requirements, taking all the client's relevant information, demands and needs into account.


The firm may also be remunerated by fee by the product producer such as policy fee, admin fee. In this event any such charges will be clearly stated.

Please Note

The enclosed commission guidance section gives indicative values across every product provider and every product advised whereby a commission or fee is received within our business. This is the maximum we will take and is subject to change, in certain cases we may take a different remuneration than the stated values. This will be disclosed to each client in accordance with the Central Bank Consumer Protection Code regulations, on a client by client basis.

Other Fees, Administrative Costs/ Non-Monetary Benefits

The firm may also be in receipt of non-monetary benefits, for example assistance with advertising and Branding

Details on the providers we work with, the products we may sell and the maximum commissions available to us are outlined below.


Class of Business% Commission
Insurer: ARB
Category: Professional Indemnity
  Professional Indemnity15.0
Insurer: AXA
Category: Household
Category: Liability
  Employers, Public & Products Liability15.0
Category: Property
  Commercial Package20.0
Insurer: Capital IM
Category: Household
Insurer: Dolmen Underwriting
Category: Household
Category: Liability
  Land Package10.0
Category: Management Liability
  Directors & Officers20.0
Category: Property
  Commercial Property15.0
Insurer: Lloyd's Insurance Company SA
Category: Jewellers' Block
  Costume and Immitation Jewellery23.0
  Diamond and Precious Stone Dealers23.0
  Importers and Distributors23.0
  Jeweller Designers23.0
  Manufacturing Jewellers23.0
  Pawn Brokers23.0
  Retail Jewellers23.0
Category: Liability
  Employers Liabilty23.0
  Public & Products Liability23.0
Category: Marine
  Marine Cargo23.0
Category: Property
  Goods in Transit23.0
  Material Damage & Business Interruption23.0
  Office Package23.0
  Shop Package23.0
  Traders Combined23.0
Insurer: Lloyd's Insurance Company SA (per CFC Underwriting Ltd)
Category: Cyber
  Cyber Crime20.0
  Systems Damage20.0
Insurer: Lloyd's Insurance Company SA (per Pulse Underwriting)
Category: Accident & Health
  Business Travel20.0
  Group Personal Accident20.0
  Group Personal Accident & Sickness20.0
  Personal Accident & Sickness (individual)20.0
  Personal Accident (individual)20.0
  Personal Travel20.0
Insurer: O'Callaghan Insurances
Category: Property
  Commercial Package10.0
Insurer: Optis Insurance
Category: Accident & Health
  Personal Accident20.0
Category: Liability
  Employers, Public & Products Liability15.0
Category: Package
  Commercial Package15.0
Category: Professional Indemnity
  Professional Indemnity20.0
Category: Property
  Property Owners17.5
Insurer: Specialist Underwriting Services Ltd
Category: Liability
  Employers, Public & Products Liability13.0
Category: Package
  Commercial Package15.0
Category: Professional Indemnity
  Professional Indemnity15.0
Insurer: Willis Towers Watson
Category: Fleet
  Motor Fleet10.0
Category: Package
  Garage Package10.0


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